Equity Loans

Owner Occupied Property Types Limited To:

Property must be located in California.
Condos must be approved for conventional Fannie Mae, FHA or VA financing.

Call us or visit us today to find out what options are available to you!

¹SDCCU will pay your closing costs including but not limited to: lender’s title insurance, title services, appraisal, tax service, credit report, flood certification and recording fees. Paid closing costs do not include pre-paid interest, homeowners insurance or owner’s title insurance. Borrower may select escrow and/or title company. Other restrictions may apply. Reimbursement of closing costs: if the loan is paid off within 36 months of origination, the full amount of closing costs will be added to the loan payoff amount.

Internal refinances are eligible to receive the introductory rate with a $25,000 increase to existing credit line. The APR will not decrease below 4.00% after the introductory period. The APR cannot exceed 18.00%. Other rates are available and your APR may vary based upon the collateral, amount financed and credit history. Minimum credit line of $25,000 required. ²The APR may adjust monthly after the introductory period. ³3.99% fixed Annual Percentage Rate (APR) is the introductory rate for the first 12 months for home equity lines up to $250,000 at 70% Combined-Loan-To-Value (CLTV). After the introductory period, the rate will adjust based on your creditworthiness to the variable rate then offered by SDCCU. 44.99% fixed Annual Percentage Rate (APR) is the introductory rate for the first 12 months for home equity lines up to $100,000 at 80% CLTV. After the introductory period, the rate will adjust based on your creditworthiness to the variable rate then offered by SDCCU.

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